YES BANK Build Your Own Card (BYOC): fees, rewards & benefits

Rewards, as stated by the issuer

Earn Cashback or Reward Points
10% Cashback on your
Earn 10% cashback on any amount spent on these merchants as per the selected plan, subject to a maximum of ₹100 per merchant per statement cycle.
Card Perk (Core Benefit) Fee:BYOC Cashback : INR 99+taxes (INR 49+ taxes for cards on-boarded before 1st Oct’23) BYOC Rewards : INR 49 + taxes
Q. Is there any capping on earning the 1% Cashback on the BYOC cashback variant?
Yes, Maximum Cashback is capped up to INR 1000 per statement cycle. You can earn 1 % cashback on all spends (except Rental & Fuel transactions).
Q. Is there any capping on earning Reward Points on the BYOC Reward variant?
Yes, Maximum Reward Points is capped up to 600 per statement cycle. Customer can earn YES Rewardz Points (8 RPs per INR 200 spent) on all spends (except Rental, Wallet & Fuel transactions).
a) Not applicable on Rental, Wallet, Utility and Fuel Government & Marketing / Advertising category transactions, Cash withdrawals, Post Purchase EMI & Instant EMI transactions. Maximum Cashback is capped up to INR 1000 per statement cycle for BYOC Cashback Cards only

Complimentary ET Prime f Membership on 1st anniversary
Select personalized merchant offers and change your plan every month
Monthly fee – Chargeable as per perks and active merchant plans (will be summation of the below fees, as per the perks picked at the time of applying for the card and /or active merchant offer plans)
Authorized Collection & Recovery Agencies
Code of Conduct- For Direct Selling Agent Collection & Recovery agencies -Credit Cards (PDF, 120 KB)
Only you can create this card and make changes in future. Bank employees can’t make any changes in the features and benefits. You can opt for the offer plans, unsubscribe, change the plans through YES Service portal accessible through
1800 103 1212 (Toll Free for Mobile & Landlines in India)
d) The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers. Click here
f) Steps to Follow to redeem ET-Prime Voucher :-
2. If you are not logged in, first log in to The Economic Times website, OR if you are already logged in then you'll see a pop-up to enter the voucher code

None listed.

Apply Today & get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days.

Domestic: Complimentary Domestic Airport Lounge Access

Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above